1. What is Dash PET?

Dash PET is an insurance savings plan that offers savings at high returns, with capital guaranteed and flexibility of funds. Grow your Dash PET while it takes care of your financial health.

Dash PET life insureds are also covered with free life protection.

The policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K).

2. What are the benefits of Dash PET?

• As a Dash PET life insured, you enjoy:
  High returns, capital guaranteed – Find out more on the crediting rates you enjoy here
• Easy requirement: Start saving from just S$50 up to S$50,000
• Flexibility for partial withdrawals (Refer to your Policy documents for more details)
• Wealth accumulation with guaranteed returns for the 1/3/5-year fixed plans
• Affordable add-on protection: Life coverage from as low as 2 cents a day with additional returns on your savings
• Investment opportunities with Dash PET Plus our investment-linked plan to earn potential higher returns

3. Dash PET is a yearly renewable policy. What does this mean?

This is a yearly renewable plan and the policy term is 1 year. At the end of 1 year policy term, this policy will be renewed automatically for another 1 year at the same conditions on the expiry date before renewal, so long as the following conditions are met:

• this policy is in force on the expiry date before the renewal; and
• you (life insured) have not reached age 100 at the renewal date.

Etiqa Insurance reserves the right to terminate this policy by giving 90 days’ notice. Upon termination, Etiqa will refund the account value, less any amounts owing to Etiqa.

4. What are the returns for Dash PET and how are they calculated?

Dash PET life insureds will earn interest on the account value. Find out more on the crediting rates you enjoy here.

The minimum average daily account value balance is S$50 to be eligible for interests and other policy benefits.

Receive up to 0.25% p.a. on the first S$10,000 of your Dash PET account value, for each active addon protection.

The returns are calculated daily based on the crediting rate. Returns will be credited on the 1st of every calendar month.

5. What is Dash PET insurance coverage?

In the event of death during the policy term, 105% of your account value will be paid as the death benefit and the policy ends. Please refer to your Policy Terms and Conditions for details.

All Dash PET users may add optional add-on protection plans to their existing Dash PET policy.

1. Who can sign up for Dash PET?

Dash PET is applicable for eligible Singtel Dash users aged between 17 to 75 (at next birthday) with a valid Singapore NRIC or Singapore residency/work pass. Sign up or log in to Singtel Dash app to check your eligibility.

Please note that all applications are subjected to the acceptance by Etiqa Insurance Pte. Ltd.

Only one Dash PET policy per individual is allowed at any point in time, regardless whether your policy is active or inactive. This policy is subject to Eligibility Rules. For more information on Eligibility Rules, please refer to https://www.tiq.com.sg/Eligibility-rules.pdf.

2. I already have Dash EasyEarn. Can I sign up for Dash PET?

Yes you may! Dash EasyEarn and Dash PET are different policies, so you can save with both plans and enjoy the respective high rates of return. You are allowed to hold one Dash EasyEarn and one Dash PET policy at any time.

3. Can I re-activate my policy if I free-look or surrender the policy?

Once you request for a freelook or surrender on your policy, you will not be able to make another purchase of this policy within a certain period. Refer to your Policy Terms and Conditions for more
details.

1. How do I manage my account?

Everything’s on Singtel Dash app! Launch Dash > Home screen > ‘Grow Money’ tile to access and
manage your account.

• View Dash PET policy details
• Top up your account
• Make transfers and withdrawals of funds

2. How do I grow my Dash PET?

Grow your Dash PET by increasing your account value.

Manage your Dash PET on Singtel Dash app! Launch Dash > Home screen > ‘Grow Money’ tile to access your Dash PET dashboard.

3. How do I top up my account?

Select any of these options to top up your Dash PET account from S$1:

• Dash Wallet
• Bank Account via PayNow
• Bank Account via eNets (minimum S$50).

Ad-hoc top-up available for up to age 75 (age next birthday) only

1. What are the ways to make a partial withdrawal?

You may make partial withdrawals from as little as S$1.

• Transfer to Dash Wallet
• Bank account via PayNow (70 cents apply per transaction)

Maintain an average daily account value balance of at least S$50 to continue earning interests for that month and maintain at least S$1 of account value to keep your policy active.

2. How much can I withdraw?

Dash PET offers flexibility of withdrawals. For policies purchased from 12 August 2022 to 29 May 2023 the maximum withdrawal amount is 10% of your Single Premium and Top-ups (excluding insurance cover charge of the optional add-on protection) in the first policy year. There is no withdrawal limit from the second year onwards. Please refer to Policy Terms and Conditions for full details.

If you wish to make a full withdrawal, you will need to request to surrender your policy Please note that once your policy is surrendered, the add-on protection tagged to your policy will also be terminated and you may not make another purchase of this policy within a certain period.

We reserve the right to delay the payment of the withdrawal amount/surrender benefit for up to a period of 6 months from the date of the withdrawal/surrender request. We will exercise this right when there is a surge in withdrawals (partial/full) within the Portfolio during a very short period of time.

1. What are the add-on protection plans available, and their benefits?

Dash PET users may activate the following add-on protection from as low as 2 cents a day:

• Major Cancer
• Accidental Death
• Death & Total and Permanent Disability

For each add-on life protection, you may enjoy the following:

• Be covered from S$10,000 to S$100,000 sum assured
• Affordable premium from as low as 2 cents a day
• Seamless daily payment right from your Dash PET account

ADDITIONAL INTEREST ON YOUR SAVINGS:

Receive up to 0.25% p.a. on the first S$10,000 of your Dash PET account value for each active paid add-on protection.

For more details of each of the available plans, click here.

2. How do I pay for the premiums for my add-on protection?

For the add-on life protection, your premium will be paid on a daily basis via your Dash PET account.

Keep a healthy minimum daily account balance of at least S$50 to ensure that your add-on protection plans stay active and you continue enjoying earning your returns.

3. Can I change my add-on protection coverage (sum assured)?

Yes, the coverage (sum assured) amount for add-on life protection can be changed from S$10,000 to S$100,000, in multiples of $1,000.

• Launch Dash app > Grow Money > Dash PET > “Add-on Protection” tab
• Select your add-on protection
• Update your sum assured and submit

The change will be effective within one working day. Waiting period, if any, will restart with each change.

Important: An increase in sum assured will also increase the daily premium payable, do ensure sufficient funds in your Dash PET account.

4. Am I eligible for the complimentary add-on protection plan?

The complimentary add-on protection is only made available to Dash PET customers with policy start date from 27 April 2021 to 11 August 2022.

1. What if I change my mind?

Dash PET has a 14-day free look period within which you may request to cancel the policy when you access your Dash PET dashboard within Dash app.

While your policy is active and in force, you may withdraw your funds partially anytime up to the maximum withdrawal limit. Do note that a policy surrender will terminate your account and all add-on protection plans tagged to your Dash PET policy, where applicable.

2. What happens if I want to surrender my policy or file a death claim?

To surrender your policy, you may WhatsApp our friendly Customer Care Consultants at +65 6887 8777 during our operating hours – Mondays to Fridays, 8.45am to 5.30pm (excluding public holidays). You may select your payout option of PayNow (NRIC) or Direct Credit. If your policy is purchased from 12 August 2022 to 29 May 2023, surrender charges of 10% of your total Account value less partial withdrawal limit (if any) apply for first policy year.

The add-on protection plans and fixed-year plans are tagged to your Dash PET policy. In the event that you wish to surrender your Dash PET policy, the add-on protection plan(s) and fixed year plan(s) will also be de-activated.

To file a claim, please WhatsApp our customer care consultants at +65 6887 8777 from Mondays to Fridays (excluding Public Holidays), 8.45am to 5.30pm within 3 months of the occurrence of the claim event.

3. Who is Etiqa Insurance?

Etiqa Insurance Pte. Ltd. is a licensed life and general insurance company registered in the Republic of Singapore and governed by the Insurance Act. It is an insurance arm of Maybank Group which is among Asia’s leading banking groups and South East Asia’s fourth largest bank by assets. To know more about our corporate profile, visit our website at www.etiqa.com.sg.

4. Who is Etiqa Insurance?

For general enquiries on Dash PET, visit https://direct.lc.chat/5701831/628 to start a live chat with Etiqa Insurance’s agents immediately.

For enquiries on your existing Dash PET policy, please WhatsApp our customer care consultants at +65 6887 8777 from Mondays to Fridays, 8.45am to 5.30pm (excluding public holidays).